Tired of those bank
credit cards with skyrocketing rates and fees? Get one from
us! Our no-annual-fee Visa cards start at 8.99% annual percentage
rate. Trust us; that is hard to beat! Read below for all the
details.
(We also offer a share secured Visa for those with less-than-stellar
credit.)
Annual
percentage rate (APR) for purchases
Classic:
8.99%
Share Secured: 12.0%
APR for cash advances and balance transfers
Classic: 8.99%
Share Secured: 12.0%
Other APRs
Penalty rates: 12.96%, 14.99%*
Grace period for repayment of balances for purchases
25 days.
Method for computing the balance for purchases
Average Daily Balance
(including new purchases)
Annual Fees
None
Minimum Finance Charge
None
Transaction fee for purchases
None
Transaction fee for cash advances
$5.00
Balance transfer fee
$5.00
Late-payment fee
$5.00
Over-the-credit-limit fee
$5.00
* Your rate
will go up to 12.96% if your payments are late by
30 days or more twice in 6 months. If this event
occurs a second time, your rate will convert to
14.99%. After one year of current payments, you
may request to have your rate lowered back to the
original rate. It is your responsibility
to request this review; it will not be done automatically.
Protect Your Visa Account
With these great rates, everyone will want to get their hands on a CCSEFCU Visa card. To make sure
this doesn’t include online fraudsters, register yours with Verified by Visa. This service,
available at a growing number of online merchants, lets you register a password of your choosing which
must be entered before a purchase can be made with your card.
Click
here to sign up for free through Visa’s secure website.
Visa also offers a free brochure to help you learn how to
avoid "phishing" and how to recognize fraudulent
emails.
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the
United States Government - National Credit Union Administration, a U.S. Government Agency
